Do I have to pay half the cost to repair my upstairs neighbour’s joists?
Property clinic: If the joists are considered communal areas, insurance may cover them
The joists between apartments are sometimes considered part of the building fabric in insurance policies
I live in a small development of just eight apartments. We manage the owner management committee (OMC) ourselves. We have two directors, and both live in the building; all but two of the units are owner occupied. The other two are rented out.
There are two floors – each has a private entrance, and there are no lifts or internal communal areas to maintain. We have a communal garden which is well maintained.